Washington law requires short-term rental operators to maintain primary liability insurance of at least $1 million or operate through a platform that provides equivalent coverage. This statewide requirement applies regardless of local rules.
Under RCW 64.37.020, every short-term rental operator must maintain primary liability insurance to cover the rental unit in the aggregate amount of not less than one million dollars ($1,000,000). Alternatively, operators may conduct rental activity through a short-term rental platform that provides equal or greater coverage. The coverage must be primary, meaning it pays before any other applicable insurance. This protects guests and third parties from injuries or damage during the rental period and applies to all hosts statewide.
Operating without required insurance violates RCW 64.37 and may result in civil penalties and inability to legally rent the property.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Lakewood, WA
Lakewood prohibits noise that disturbs the peace under LMC Chapter 8.36 (Noise Control). Residential quiet hours are 10 PM–7 AM weekdays and 10 PM–9 AM weeke...
Lakewood, WA
Lakewood has no local aircraft noise ordinance. Aircraft operations at Joint Base Lewis-McChord (JBLM) adjacent to Lakewood are governed by federal law and m...
Lakewood, WA
Lakewood prohibits frequent, repetitive, or continuous animal sounds that disturb the peace under LMC Chapter 8.36. Excessive barking is a noise control viol...
Lakewood, WA
Construction noise in Lakewood is restricted to weekday hours of 7 AM–10 PM and weekend/holiday hours of 9 AM–10 PM under the LMC Chapter 8.36 noise control ...
Lakewood, WA
Abandoned vehicles in Lakewood are subject to code enforcement as a nuisance. Lakewood Police Department handles abandoned vehicle reports for public streets...
Lakewood, WA
Lakewood street parking is governed by city traffic codes consistent with Washington State law. Standard rules apply regarding curb distance, fire hydrant cl...
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